Alrighty.  So as everyone knows, I have Dave Espino’s book and have decided to review his products.  He is the Ebay king and he has made millions off of just auctioning items online.  He came out with this product because the economy sucks and he loves helping people.  A lot of complaints that have been going on have been about Ebay being a free-for-all website and that every thing that Dave Espino is selling, is readily available and free on the internet.  Yeah, that is true… but in the day and age with the economy laying off thousands of people from their jobs… I don’t want to make expensive errors because I didn’t want to invest some money in a product that could’ve helped me.

The first thing about Dave Espino is that his product breaks down Ebay for you.  Yes, that’s all very easy and free and you can learn all these things just by experimenting with the website, but some people don’t know how to use a computer.  And who knows?  What if a family wants to learn how to use Ebay but they couldn’t because they were living in China and China banned Ebay?  Thats definitely a possibility seeing as how China banned google. YES, GOOGLE! I use google every day of my life so I have no idea how I would’ve survived… Apparently they used elgoog which is basically google backwards.. Anyway, my point is that I love that he breaks Ebay down for the non computer users.  He also gives you great tips and strategies to help you make your product much more appealing.  He tells you about photo quality and the importance of using certain words, etc.  He tells you things that you probably would’ve never considered but would’ve had a huge impact on your sales.

The biggest plus and advantage from using his product is using Ebay Crystal Ball.  I was extremely doubtful that Ebay Crystal Ball was only accessible by Dave’s Members, but its true.  He made a deal with Ebay and paid a lot of money for us to use this amazing service.

Please excuse my wealth without risk tabs.  I’m going to start investing in tax liens and such and I’m thoroughly researching everything so that I can give the public an honest review.  Anyway, if you read this article, its a simple breakdown of what Ebay Crystal Ball is… and after reading this, I went to see if it was available to the general public.  It is not.  Whenever I typed in “Ebay Crystal Ball” into my search bar, the only thinks that would come up are people selling crystal balls on ebay. *sigh… But at least its a huge plus to the people who have purchased Auctions for Income.

I’m slowly moving out of my apartment in Santa Barbara and making my way into Los Angeles… and I think I have a lot of things that people might want to purchase via Ebay.  I’ll give it a shot and see how everything works out and let you know.

People are just so annoying.  Stop calling things a scam because you were too lazy to do the work.  They get great reviews from people because they actually work for the people who put the time and effort to utilize the product efficiently.

Student Loans.

This blog isn’t exactly about tax sales, property tax, real estate, etc., but I feel like the topic applies to a huge percentage to the US today.  Its about student loans and if they’re worth the debt to go to college.  I came across an article and it asked if student loans were worth the future and in my opinion, the answer is yes and no.

I think that it depends on your drive to succeed and it depends on what career you’re aiming for.  If you want to be a doctor, then of course it’ll be worth it because the salary you get as a starting doctor will be able to pay off your loans.  For everybody else, it really depends on the situation.  I understand that in order to get some jobs, you need a bachelor’s degree and yes, if that’s your dream job, then go for it.  If you’re just looking to make money, then nope.  I would highly recommend not taking out thousands upon thousands of dollars worth loans and burying yourself in debt.

I have so many friends that went to UCSB, graduated, and now find themselves in school AGAIN so that they can apply to MORE school.  Its a never ending cycle.  I constantly hear them saying that they should’ve gone straight to beauty school out of high school instead of wasting time AND MONEY at a 4 year university. Granted, the experience is unbelievable, and its true; you DO meet your best friends in college, but career wise, just go to a specialty school and become a nurse.  Nursing a great career because they are always in demand.  The pay is great and if you work extremely hard, you can become a registered nurse whose estimated salary equates to approximately 50,000 a year.

Here I am, earning 20,000 a year after wasting a mini-fortune. *sigh.. but don’t get me wrong, i love doing this for a living.  Its the best job for me and I’m happy here. As an English major, former artist, and internet junkie… social networking marketing is the perfect job for me. :] blogging is just a plus.

but for those of you who have children that are graduating high school and want to go to a tech school, don’t discourage them.  and if they want to go to a four year, don’t discourage them either.  Just make sure that they have their goals in plain sight and don’t stop until they’re there.

a little bit about me

Name: Jenn

Hometown: Woodland Hills, CA

Age: 22

Favorite Color: Yellow

Favorite Food: Macaroni and Cheese

Favorite Hobbies: Blogging about anything, writing, reading, and watching movies. Oh yeah, and food.

Favorite Season: Winter. I love wearing sweatshirts and coats.

Favorite City: Boston, Massachusetts

One Thing That I Can’t Leave The House Without: My Watch.

Current Song I’m Obsessed With: I’m Coming Home by Diddy ft. Skylar Grey

Favorite Memory: Making cookies with my mom when I was super little.

Favorite TV Show: America’s Best Dance Crew, Desperate Housewives, Glee, How I Met Your Mother, Keeping Up With The Kardashians and The Big Bang Theory

Favorite Movie: I have WAYYYY too many to list, but the ones that always win my heart are: Back To The Future, Serendipity, You’ve Got Mail, Anything Disney, Despicable Me, How To Train Your Dragon, and Say Anything.

Hollywood Crushes: John Cusack, Harry Shum Jr., Kid Rainen, Steve Terada, Dominic D-Trix Sandoval, and Wong Fu Productions (yes, all three of them)

Most Embarrassing Moment: When my dad came into my work (i used to work at a restaurant) with my WHOLE family. I’m talking uncles, aunts, grandparents, etc. and I had to take them to their table and they were evaluating my performance throughout their meal. So so SO embarrassing…

Other websites:

My Yelp Page

My Hubpages

My Tumblr

My Twitter

My Facebook

New Jersey

With the New Jersey hype going ballistic this year, most people automatically think of Jersey Shore, Jerseylicious, Snooki, The Situation, tanning and Italians when the state is mentioned.  If you have no idea what I’m talking about, you must be living under a rock because Jersey is all the rage right now, and with the state being a novelty item, you would think that the state would be doing well right now, but no.  It is not.

New Jersey is currently experiencing a lot of foreclosures (lucky for whoever paid their property tax!) and its predicted that many residents of NJ will have to leave the state.  I know, you’re all probably thinking,” why don’t they just pay off their property tax when its due?”  Well, its not that easy.  Unemployment rates are constantly on the rise which means that people are tapping in their savings, and some people don’t save up for a rainy day..which can be bad.  If someone can pay off their property tax and give them a redemption period of 2 years (the redemption period for Elizabeth, NJ) so that they don’t get their electricity and water cut off, then so be it.  People need to prioritize when money is low and unfortunately, even with 2 years of a grace time, people still can’t find jobs to support themselves.

Oh yes, and the article can be found here.

Please note that on the bottom of the article, it CLEARLY states in the very last paragraph that, “Economist also reveal that around 15% of homeowners in the state have underwater mortgages, which means that they pay higher rates for their loans that the worth of their properties. They further reveal that those who own bank foreclosed properties and tax lien government foreclosures are the most likely to stay in the state for quite some time.”

Yep.  I guess now is the time to get on tax lien certificates because unemployment will be working in our favor.  Terrible, but true.

wealth without risk review

I don’t know if you’ve heard of Saen Higgins, but basically he’s on an infomercial for his own products.  I thought that this guy was a scam; Everytime I looked online for him, people wrote that he was a scam and that he took all their money, etc.  I read his book and I realized that no, he’s not a scam and in fact, everything that he says in his book makes complete sense. Let me break it down for you:

1. people don’t pay property tax. I don’t know why, but sometimes people are busy and they forget. Maybe they’re in a terrible financial situation and they just can’t pay off their property tax at that time.

2. YOU pay off their property tax. Depending on the county and the state, there is a redemption period ranging from 6 months to 4 years.  This gives the current owner of the property a grace time to pay off their property tax WITH INTEREST which goes directly to YOU.  The interest can be up to 25% so imagine how much money you could make depending on the tax lien certificates that you purchase!

3. Since the wait time can be up to four years, don’t expect to get your money right away.  Once the redemption period has run out, and the current owner STILL hasn’t paid you back, their home goes into foreclosure and you then have a chance to take their property.  Property for how much you paid for the tax lien certificate? Sounds great to me. I’d sell that baby for a lot more, get a lot of profit, and move into a nicer house… OR buy more tax lien certificates for nicer homes and pray to God that they’ll forget about paying me back completely.

4. When a house goes into foreclosure, the bank becomes the new owner and since the bank absolutely does not want to give you a home for about a couple hundred dollars, they will pay you the money that you are owed instead.

See? That wasn’t so bad.  It really IS easy money.. you just have to do your research and it takes more time than you want.  The thing with infomercials is that people just expect money to magically fall out of thin air once they purchase their packages, which it doesn’t (hence why people call this entire system a scam). It takes a bit more time and the Saen Higgins websitegives you advice and tips to help you not to make mistakes that other people go through when trying to do this on their own.

So.. just to clear up rumors, its not a scam. Its just not instant and like everything else.. nothing comes easy.  They just come easier than others.

I, myself, have not done this yet, but joyce has had personal experience with this.. industry.. so check out her blog to see what exactly happened!

www.realestateparade.com

visit these sites!!

I know that I promised to go through the first chapter of my real estate book by today and its still not up, but in my defense, its only 4pm and there are 8 more hours in the day to complete this task.

Anyway, the purpose of this blog entry is to link you to other blogs that are quite useful.

http://www.recessionproofrealty.com

http://www.realestateparade.com

realestateparade is still quite new but Joyce is going to be writing… everyday and providing YOU with great information about tax liens and tax deeds! recessionproofrealty is pretty great. It has great advice for someone who is just getting started in the tax lien certificate business and has great tips to get you started, if you’re a newbie in the business.

So when you’re bored and you’re just surfing the web, check out these blogs and see what they have to offer. You have nothing to lose :]

unemployment really affecting real estate market

I recently came across a real estate newsletter that announced the rising costs of rental apartments.  My first thought was “seriously?” This was only because the rent that I had to pay while I was in college, which was not that long ago, was constantly rising.   I always thought that the reason for this was because Isla Vista (the college town right next to UCSB) was in high demand, so the leasing company was going to get the money, guaranteed; However the article also states that the real estate market has flattened and is expecting to rise, especially in the multi-family housing market, thanks to unemployment and terrible credit.

So, the moral of the story is: keep track of your finances, pay off your bills, and don’t have children until you’re financially stable to take any kind of responsibility.  Its much better for kids to be raised in a permanent home instead of in an apartment (unless its big and has room for them to run around).

As for my fellow college kids… work your butt off or start asking for your parents for help because rent is just going to get more expensive (just as you thought it couldn’t increase anymore).